@Elizabeth Ross - make sure you are familiar with South Bend - houses for under 100k in South Bend can typically be in pretty rough neighborhoods, so be sure to do your due diligence. 

You can do whatever you want in terms of bending for the tenants and trying to provide "great service,' but the truth is you receive no credit for it and will be the evil landlord at the first repair that takes too long, late fee owed, alternation denied, etc.  

Quote from @Jake Thorpe: In this industry, there is a lot of incentive to bend the truth, some say dont say x to the lender.. and if something happens dont say y to the insurer. 

I own multifamily in Great Bend and Halsted PA. 

Mortgage lending is highly competitive, and there are many newbie loan officers that will bend over backwards to get you to pull a credit report and pay for an appraisal.

Reliance on a team a flight away wasn't for me as I was getting started, I am considering bending that approach. 

Don't bend.

We have driven through Michigan City, Gary and South Bend. 

Hopefully his students are better, I don’t like the idea of thousands of people entering the industry trying to find sellers willing to sell via subto who all think it’s okay to bend the truth, especially with transactions like subto that are complicated and require a lot of trust on behalf of the seller (that the buyer will do what they say and keep making the payments and not wreck the seller’s credit potentially affecting their ability to have a place to live in the future because you can’t even rent an apartment with bad credit). 

But this also typically requires existing relationship before they will start bending their "standard" underwriting rules.